5 ms·

I agree with most of what you're saying, except for "every single person's money problem is solved with the very simple 'don't spend more than you earn.'" Somet

by Crake 13y ago

I agree with most of what you're saying, except for "every single person's money problem is solved with the very simple 'don't spend more than you earn.'" Sometimes it's not being able to earn enough money that's the problem--there's a baseline level of income needed to pay for very basic no frills food and rent in any given area.

bane 13y ago
> Sometimes it's not being able to earn enough money that's the problem This is going to come across as prickish, I'm not meaning it with that tone, but here's an example: 1) Costs are more than income? Earn more money. 2) "But where I live has a shitty economy and there are no jobs that pay more that I'm qualified for" Then your options are: move to someplace with better pay potential, work more jobs, downsize your life, earn the necessary qualifications for more money. Can't decide? Roll the dice and pick one. 3) But I have <insert expense here>. Then get rid of that expense. It's possible to live on very very little. When people here talk about what they need to live vs. what they want, even those that advocate for the most spartan existence way over inflate the basic needs. Oh, it's your children? Yeah, that's tough. I didn't say I could solve all your problems, just that they were simple. You shouldn't have had kids if you couldn't afford to support them. If you are in that bad of shape, you might want to consider giving your kids up for adoption. Sucks, but it's probably best for them. Yeah of course there are unexpected "shit happens" problems, got cancer or hurricane wipes out the local economy or whatever. And sometimes that does make things complex. But most people I've encountered have problems like this notional money problem because they: a) buy more stuff than they can afford, going into massive debt b) make poor life choices that feel emotionally good at that time, and assume expenses they can't handle, but could have controlled at some point and now want a solution for the pile of disaster they're in. It's sometimes buying a new car, or having kids or buying too big a house or whatever. For example, I have a close friend who has a habit of making poor life choices. He's divorced twice, different kids by each mother, pays over 65% of his income in child support and alimony, buys used cars with exceptionally low reliability and poor gas mileage, never educated himself or got any work certificates or anything so his salary without those weights isn't all that great anyways, and now that he's in this pinch wonders how to solve his rather significant money problems. It seems very complex to him and trying to emotionally process and talk about the well of failure he's found himself in has gotten him nowhere. Here's the simple solution in 10 steps with a 3 step discount. Step 1) Stop getting married and producing children. Step 2) Stop buying shitty cars. In the long run it costs more. Go to the free library, get a copy of consumer reports and find cars that have exception reliability and low mpg as a used car. Buy that. Step 3) Get an education or at least a certificate in something to make you more marketable. The library and internet is free and has all the information he needs to at least get read up to pass a basic certification in something. Step 4) Stop getting fired from jobs for "getting sick" and not showing up on time. Step 5) Use that work history and education/qualifications to get another, better job/fight for promotions at work. Step 6) In the while, do side jobs that pay only in cash and don't report it. (I didn't say solving it was legal or ethical, only that it's simple) Step 7) Stop buying useless shit he can't afford. He tells me all the time about this or that concert he just went to, or the new costume he's getting for the cosplay competition at the local comic convention or the new game he just bought. Stop it. $1/10 packs Ramen noodles, rice and 1/3 can of spam or a can of tuna per day with vitamin supplements should be his new diet. Splurge once a week at Taco Bell for a treat. Option) Think about a different career path. IT isn't working for him, maybe working at Costco is a better option. Decent pay, excellent benefits, good work environment. Maybe go be a waiter, there are always jobs available waiting tables. It's a quick road to $3 or $4k a month, which is more than he makes. Plus lots of tips are cash making it easy to come home with a pocket of spending money that he wouldn't need to report and keep away from his ex-wives. It'll take a few years to dig out of, but it's completely doable and not quantum rocket surgery to solve. It's not complex, it's simple. He just needs to do it.
- thisisnotclear 13y ago
  I am commenting to let you know I like what you write. Thanks for existing!
- thesimpsons1022 13y ago
  thats fine if you come from a perfect background but it sounds pretty ignorant, like you have no empathy for others and can't relate to others situations. for example, if you fucked up as a kid, but want to turn your life around it can be really difficult/impossible. furthermore, life can throw unavoidable things at people, like maybe they had to take care of a sick relative instead of getting an education. you sound like someone whose always lived in a suburb/nice area and has no perspective. i'm telling this to pop your bubble, go to africa or china or brazil, or even the ghetto. there are men there who work harder than you ever will and still can't survive on the money they make, regardless of how much their expenses are.
  - bane 13y ago
    I appreciate your comment and the spirit it was presented in. You should dig back through my comment history to find out more about my background. The TL;DR, grew up pretty poor, came out of that environment with lots of burdens, did exactly what I said above and now am not poor anymore. It sucked, hard, but it's possible. And it's more possible to do it before you make lots of bad decisions that make it even harder to crawl out of. But it's not very complex to do. Yeah it gives me sympathy, but it gives me a realistic pragmatism too and practical experience simply doing it. But regardless, I've seen and helped many people who came from much worse backgrounds than I did to do the same and live comfortable productive lives. I've traveled quite a bit, to some pretty hellish areas, and I know what you are talking about. I think you put down "Africa" China and Brazil too much. China and Brazil are paradises compared to some of the places I've been. And much of Africa is pretty decent these days comparatively. If you work hard and have good money discipline in any of those places you can probably eek out an okay living. I've seen people eek out passable livings in active war zones. I'd leave, but you know, staying on ancestral lands or whatever is their choice. Their neighbors who did leave lead much better lives. There's always a way. It's not complex, but it's not always easy. > life can throw unavoidable things at people, like maybe they had to take care of a sick relative If you read what I've written here, you'll see that I've already acknowledged that sometimes shit happens and there's no way to readily solve it. But these are outlier atypical scenarios. We can come up with these all day: gas main exploded destroying my house, meteor falls from space and destroys their car, hurricane and tsunami levels the local economy, got cancer, etc. Yeah that stuff is hard and can be complex. But for most people, most places and most of the time, their problems are not complex and aren't difficult to surmount.

by Crake 13y ago

bane 13y ago

> Sometimes it's not being able to earn enough money that's the problem This is going to come across as prickish, I'm not meaning it with that tone, but here's an example: 1) Costs are more than income? Earn more money. 2) "But where I live has a shitty economy and there are no jobs that pay more that I'm qualified for" Then your options are: move to someplace with better pay potential, work more jobs, downsize your life, earn the necessary qualifications for more money. Can't decide? Roll the dice and pick one. 3) But I have <insert expense here>. Then get rid of that expense. It's possible to live on very very little. When people here talk about what they need to live vs. what they want, even those that advocate for the most spartan existence way over inflate the basic needs. Oh, it's your children? Yeah, that's tough. I didn't say I could solve all your problems, just that they were simple. You shouldn't have had kids if you couldn't afford to support them. If you are in that bad of shape, you might want to consider giving your kids up for adoption. Sucks, but it's probably best for them. Yeah of course there are unexpected "shit happens" problems, got cancer or hurricane wipes out the local economy or whatever. And sometimes that does make things complex. But most people I've encountered have problems like this notional money problem because they: a) buy more stuff than they can afford, going into massive debt b) make poor life choices that feel emotionally good at that time, and assume expenses they can't handle, but could have controlled at some point and now want a solution for the pile of disaster they're in. It's sometimes buying a new car, or having kids or buying too big a house or whatever. For example, I have a close friend who has a habit of making poor life choices. He's divorced twice, different kids by each mother, pays over 65% of his income in child support and alimony, buys used cars with exceptionally low reliability and poor gas mileage, never educated himself or got any work certificates or anything so his salary without those weights isn't all that great anyways, and now that he's in this pinch wonders how to solve his rather significant money problems. It seems very complex to him and trying to emotionally process and talk about the well of failure he's found himself in has gotten him nowhere. Here's the simple solution in 10 steps with a 3 step discount. Step 1) Stop getting married and producing children. Step 2) Stop buying shitty cars. In the long run it costs more. Go to the free library, get a copy of consumer reports and find cars that have exception reliability and low mpg as a used car. Buy that. Step 3) Get an education or at least a certificate in something to make you more marketable. The library and internet is free and has all the information he needs to at least get read up to pass a basic certification in something. Step 4) Stop getting fired from jobs for "getting sick" and not showing up on time. Step 5) Use that work history and education/qualifications to get another, better job/fight for promotions at work. Step 6) In the while, do side jobs that pay only in cash and don't report it. (I didn't say solving it was legal or ethical, only that it's simple) Step 7) Stop buying useless shit he can't afford. He tells me all the time about this or that concert he just went to, or the new costume he's getting for the cosplay competition at the local comic convention or the new game he just bought. Stop it. $1/10 packs Ramen noodles, rice and 1/3 can of spam or a can of tuna per day with vitamin supplements should be his new diet. Splurge once a week at Taco Bell for a treat. Option) Think about a different career path. IT isn't working for him, maybe working at Costco is a better option. Decent pay, excellent benefits, good work environment. Maybe go be a waiter, there are always jobs available waiting tables. It's a quick road to $3 or $4k a month, which is more than he makes. Plus lots of tips are cash making it easy to come home with a pocket of spending money that he wouldn't need to report and keep away from his ex-wives. It'll take a few years to dig out of, but it's completely doable and not quantum rocket surgery to solve. It's not complex, it's simple. He just needs to do it.

thisisnotclear 13y ago
I am commenting to let you know I like what you write. Thanks for existing!
thesimpsons1022 13y ago
thats fine if you come from a perfect background but it sounds pretty ignorant, like you have no empathy for others and can't relate to others situations. for example, if you fucked up as a kid, but want to turn your life around it can be really difficult/impossible. furthermore, life can throw unavoidable things at people, like maybe they had to take care of a sick relative instead of getting an education. you sound like someone whose always lived in a suburb/nice area and has no perspective. i'm telling this to pop your bubble, go to africa or china or brazil, or even the ghetto. there are men there who work harder than you ever will and still can't survive on the money they make, regardless of how much their expenses are.
- bane 13y ago
  I appreciate your comment and the spirit it was presented in. You should dig back through my comment history to find out more about my background. The TL;DR, grew up pretty poor, came out of that environment with lots of burdens, did exactly what I said above and now am not poor anymore. It sucked, hard, but it's possible. And it's more possible to do it before you make lots of bad decisions that make it even harder to crawl out of. But it's not very complex to do. Yeah it gives me sympathy, but it gives me a realistic pragmatism too and practical experience simply doing it. But regardless, I've seen and helped many people who came from much worse backgrounds than I did to do the same and live comfortable productive lives. I've traveled quite a bit, to some pretty hellish areas, and I know what you are talking about. I think you put down "Africa" China and Brazil too much. China and Brazil are paradises compared to some of the places I've been. And much of Africa is pretty decent these days comparatively. If you work hard and have good money discipline in any of those places you can probably eek out an okay living. I've seen people eek out passable livings in active war zones. I'd leave, but you know, staying on ancestral lands or whatever is their choice. Their neighbors who did leave lead much better lives. There's always a way. It's not complex, but it's not always easy. > life can throw unavoidable things at people, like maybe they had to take care of a sick relative If you read what I've written here, you'll see that I've already acknowledged that sometimes shit happens and there's no way to readily solve it. But these are outlier atypical scenarios. We can come up with these all day: gas main exploded destroying my house, meteor falls from space and destroys their car, hurricane and tsunami levels the local economy, got cancer, etc. Yeah that stuff is hard and can be complex. But for most people, most places and most of the time, their problems are not complex and aren't difficult to surmount.